Skip to content
Money Scale

Net Worth Calculator

Assets − debts, with US-median comparison by age.

PrivateFreeSourcedReviewed

Your net worth at 32

Below the Under 35 median

$33,000

Assets $55,000 − debts $22,000
Total assets
$55,000
Total debt
$22,000
vs Under 35 median
$6,000

below the median

Of your $33,000, $21,000 is liquid (cash + investments − debt). The Under 35 US median is $39,000.

Breakdown

Liquid net worth (cash + investments − debt, excl. home)
$21,000
Home equity (value − mortgage)
$0
US median net worth, Under 35
$39,000

Liquid net worth is the number you could touch in a hurry; home equity is real wealth, but illiquid until you sell or refi. Medians from the Federal Reserve SCF.

Your numbers

32 years old

What you own (assets)

$8,000

$35,000

$12,000

What you owe (liabilities)

$4,000

$18,000

Home & mortgageRenting (none)

$0

$0

Next steps

The Net Worth Calculator adds up everything you own and subtracts what you owe — and then compares your result against US median net worth by age bracket (Federal Reserve Survey of Consumer Finances). Knowing where you stand against your peer cohort is the missing data point most people don't have, and the median (not the mean) is the honest comparison because the ultra-wealthy skew averages far above what's typical.

How this calculator works

  1. Enter cash holdings (checking, savings, money market).
  2. Enter invested balances (brokerage + 401(k) + IRA + Roth + HSA).
  3. Enter your home's market value (skip if you rent) and any other large assets (car book value, business equity, valuables).
  4. Enter outstanding mortgage principal and consumer debt (credit cards, personal loans, auto, student).
  5. Add any other liabilities (back taxes, family loans, business debt).
  6. Read the result. Liquid net worth (excludes home equity) is often the more useful figure for decisions like 'can I afford to take a sabbatical' since you can't easily spend home equity.

Net Worth = Total Assets − Total Liabilities

The simplest formula in personal finance. Every asset counted at its current market value (not what you paid), every debt at its current payoff balance.

Total Assets
Cash + investments + home value + other assets
Total Liabilities
Mortgage principal + consumer debt + other debt

Frequently asked questions

What is net worth?

Total assets (cash, investments, home equity, other) minus total liabilities (mortgage, credit cards, student loans, auto loans, other debts). The one-number snapshot of your financial situation.

What's a good net worth for my age?

US medians: ~$39K under 35, ~$135K ages 35-44, ~$246K ages 45-54, ~$364K ages 55-64, ~$410K ages 65-74 (Federal Reserve SCF). Medians, not averages — averages skew much higher.

Should I include my home?

Yes — market value as an asset, mortgage principal as a liability. The difference is home equity. Also look at liquid net worth separately (excludes home equity) since home equity isn't accessible without selling or refinancing.

Sources used in this calculator

Reviewed by the Money Scale editorial team. How we source our data

Related calculators

See all

Professional calculator

Retirement Planner

Is this net worth enough to retire on, and at what age?

Open the Retirement Planner

Free, no signup, runs in your browser. Educational modeling only — not financial advice.

Free newsletter

Money Scale Weekly — one chart, one idea, every week.

A short, plain-English read on saving, investing and compounding, with the numbers run for you. Free.

Subscribe freeFree. One email a week. No spam — unsubscribe in one click.